CURE Auto Insurance Complaints Surge as the Company Seeks to Raise Rates (Again) — Is This the Breaking Point for Michigan Drivers?
Consumer complaints against CURE Auto Insurance have jumped, again.
From 2023 to 2024, complaints skyrocketed by nearly 50%.
That’s a big jump, but what’s even more alarming is that this 50% increase in complaints from CURE’s own customers comes on top of a 265% increase in complaints filed with the Michigan Department of Insurance and Financial Services (DIFS) from 2022 to 2023.
Yet angry customers aren’t stopping CURE from also asking to raise insurance rates on its own customers.
For the second time in less than a year, CURE has again asked DIFS to approve a 25% increase in the auto insurer’s base rates. In January 2025, DIFS approved CURE’s October 2024 rate increase request. As of May 28, 2025, CURE has submitted yet another rate increase request.
Angry CURE customers continue to file complaints against Cure Auto Insurance
In 2024:
- Consumer complaints against CURE jumped 48.66% from 150 in 2023 to 223 in 2024.
- CURE has the SECOND HIGHEST NUMBER of consumer complaints among Michigan’s 82 largest auto insurers.
- This, even though CURE is the 16th largest auto insurer in the state.
- CURE has the THIRD HIGHEST COMPLAINT RATIO among Michigan’s 82 largest auto insurers.
- Again, even though CURE is only the 16th largest auto insurer in the state of Michigan.
- An insurance company’s complaint ratio is the total number of complaints from an auto insurer’s customers divided by the millions of dollars collected in premiums from those customers.
CURE Insurance is Getting Worse
To put this tsunami of complaints from angry customers in perspective, remember that CURE only just entered the Michigan insurance market in July 2021. So, in just a few short years, this New Jersey-based insurance company is now #2 in consumer complaints and has the third highest complaint ratio, despite being the 16th largest insurance company in Michigan!
Quite the accomplishment, CURE!
To see how the wave of consumer complaints has been growing, note that in 2023 CURE was the 20th largest auto insurer in Michigan. But even then, consumer complaints against CURE skyrocketed 265% from 41 in 2022 to 150 in 2023. CURE also had the third highest number of consumer complaints among Michigan’s 85 largest auto insurers.
In 2022, CURE had the 19th highest number of consumer complaints among Michigan’s 100 largest auto insurers, even though CURE was the 31st largest auto insurer in the state.
CURE also had the 17th largest complaint ratio among the state’s 100 largest auto insurers.
Remember, CURE is a newcomer to Michigan. Even though they like to aggressively market around Detroit sports celebrities, this company is from New Jersey and just arrived in Michigan in 2021 (after its CEO, Eric Poe, aggressively lobbied for auto No-Fault “reform. Poe has also bragged publicly that he helped to “write” Michigan’s new auto No-Fault law).
In other words, because the New Jersey insurer just entered the Michigan market, 2022 is the first full year for which consumer complaint data for CURE is publicly available.
Despite complaints hitting new high, CURE wants to also raise rates for customers
The word “raise” doesn’t properly do justice here. CURE wants to impose a twenty-five percent raise in rates!
And that is on top of another 25% raise in base rates that CURE pushed through earlier this year.
For an auto insurer whose TV ads proclaim that “saving money on auto insurance just got easier,” this seems…demonstrably false?
According to the May 28, 2025, Rate Filing Memo that CURE has submitted to the Michigan Department of Insurance and Financial Services (DIFS), CURE wants to “revise the rates in its Private Passenger Auto program in the state of Michigan” as follows:
- “Increase Bodily Injury and UM/UIM Bodily Injury base rates by +25.0%”
- “Increase Property Protection Insurance base rates by +15.0%”
- “Increase Personal Injury Protection base rates by +25.0%”
If approved, CURE’s proposed base rate increases would take effect on September 12, 2025 for “New Business” and on October 17, 2025 for “Renewal Business.”
As of June 4, 2025, CURE’s request to increase its base car insurance rates is “Under Review – Initial Review” with DIFS.
Standing alone, a 25% increase in rates for auto insurance coverage that is required under Michigan law is shocking.
But remember CURE was already allowed to impose a 25% rate increase earlier this year.
On January 14, 2025, DIFS approved CURE’s October 21, 2024, Rate Filing Memo which requested to “[i]ncrease the base rate for BI, PPI, and PIP coverages by 25%.” The rate hike would take effect January 24, 2025 for “New Business” and March 2, 2025 for “Renewal Business.”
“BI” is bodily injury liability coverage. “PPI” is property protection insurance which covers property damage. And “PIP” is “personal protection insurance” – which is also known as “personal injury protection” insurance – which covers a crash victim’s medical expenses, wage losses, and replacement services.
Was Your Michigan Car Accident Medical Claim Denied by CURE Auto Insurance?
If CURE Auto Insurance has not been treating you fairly and is improperly denying your medical claim in Michigan, you can file a complaint and share your experience in any of the following ways:
- To file a customer complaint against CURE with the Michigan Department of Insurance and Financial Services (DIFS), click here.
- To file a complaint against CURE with the Better Business Bureau, click here.
- To leave a review on the Better Business Bureau’s customer reviews page for CURE, click here.
- Share your experience on Reddit in any of the following subreddits: Cure insurance claims/customer service experience, Any experience with Cure Auto Insurance?, Auto Insurance – Metro Detroit, and Any experiences with Cure Auto?, Wrong VIN On Insurance, Customer Service, Rates Doubled, Nightmare, Incorrect VIN on Insurance, and Cancelled Policy.
Injured in a car accident in Michigan? Call the attorneys at Michigan Auto Law for a free consultation!
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